For the past two years, BCBS has been extremely aggressive in writing and maintaing new business, with rates well below the market. Bloated BCBS sales reps have reaped the benefits of well paid order takers, to the envy of their competitors.
That cycle appears to be over, as BCBS has come in with some renewals lately in excess of +100%. This is not uncommon in the group health insurance business. One year ABC Insurance Company may have the best and lowest overall rates, and write a lot of business, while the next year XYZ Insurance Company will do so. Seems this phenonomen runs in 2-3 year cycles.
Who is the new and agressive carrier these days? Try Cigna on your next renewal, you may be pleased. 
A note to all carrier representatives: “You will only be as successful as your underwriter wants you to be.”
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